How It Works

ShortLoans.org is not a lender and therefore does not make short term loans or credit decisions. We are a loan matching service where we connect consumers with independent third party lenders.

You register online from your home computer or any mobile device. Because the process occurs in real time, it’s very fast. If you are matched with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them,) the money could be available for your use as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

18 years of age or older

U.S. citizenship

Valid checking or savings account with direct deposit

Minimum regular income of $1,000 per month

Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.

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Legal Disclaimer: This website does not constitute an offer or solicitation to lend. ShortLoans.org is not a lender and does not make loans or credit decisions. ShortLoans.org provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. ShortLoans.org does not charge a service fee. ShortLoans.org does not control and is not responsible for the actions or inactions of any lender. ShortLoans.org does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
Subject to our privacy policy, ShortLoans.org will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. ShortLoans.org does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.
Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.
Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.